Columbus Insurance Claim Lawyers

Whether it’s a fire, car accident, or a natural disaster like Hurricane
Matthew, Georgia residents expect to be protected from the financial
ramifications of these terrible events by their insurance policy. That’s
why we pay faithfully pay into these policies.

But unfortunately, some
insurance companies will fight their policyholders, which can leave
families in Columbus high and dry in their time of need. At Morgan &
Morgan, our attorneys understand that when a policyholder submits a
claim to their insurance company, they expect the company will act in
good faith and honor the validity of the claim.

Disputes often arise
after an insurance company denies a seemingly valid claim, many times
without a legitimate reason or explanation. Insurance companies generate
a greater profit when policyholders do not file claims or fail to
collect on those submitted under their policies.

Some insurance
companies habitually deny claims—regardless of their legitimacy—and will
only investigate a claim if the policyholder takes legal action.

At Morgan & Morgan, our insurance dispute attorneys have
extensive experience helping clients recover the compensation to which
they are entitled.

If you are in a dispute with your insurance
company—or have a claim that was denied or undervalued—contact the
insurance dispute attorneys at Morgan & Morgan’s Columbus
office for a free consultation.

Why Was My Insurance Claim Denied?

Unfortunately, insurance companies often interpret and manipulate the
language in their policies to minimize or deny valid claims. Insurance
providers have a significant self-interest to protect their cash
reserves and to avoid payouts to policyholders. When an insurance
company denies or undervalues a claim, they may allege that:

There was a material misrepresentation in the policy itself, excluding
coverage for this particular claim;

There was a failure by the insured to pay policy premiums on time
which caused coverage to lapse; or

The injury falls outside of the scope of coverage.

Do I Have a Bad Faith Claim or Unfair Claims Handling Case?

Under Georgia law, an insurance company may be held liable it did not
act fairly and honestly toward its policyholder in response to a claim.

In many cases, policyholders believe they have a bad faith claim against
their insurer if a claim is denied; however, this is a common
misconception. It is more likely that, if a claim has been wrongfully
denied, a breach of contract or unfair claims denial case should be
pursued.

In most cases, bad faith claims are handled by our personal
injury attorneys, not the attorneys in our insurance dispute department;
however, some bad faith claims will fall under the umbrella of our
insurance dispute attorneys. It is important to contact our Columbus
office to determine which type of claim best fits your situation.

Most states, including Georgia, have adopted the Unfair Claim Settlement
Practices Act and augmented the law to protect the rights of insured
policyholders within the state. Unfair claims handling occurs when an
insurance company attempts to avoid paying valid claims or reduces the
payment to their own policyholders.

Examples of unfair claims handling
include fraud, misleading or deceiving a policyholder, neglect or
refusal to fulfill a contractual obligation, or the conscious wrongdoing
by the insurance company.

What Types of Insurance Disputes Does Morgan & Morgan Handle?

At Morgan & Morgan, our attorneys are committed to helping clients
settle insurance claims disputes in a wide range of practice areas. The
following is a non-exhaustive list of the types of insurance disputes
handled by the attorneys in our Georgia offices:

Homeowners and Business Property Losses

Unfair Claims Handling and Bad Faith

Disability Insurance

Employee Retirement Income Security Act (ERISA) Claims

Professional Liability Coverage

Errors & Omissions Coverage (E&O)

Personal Insurance Protection

Uninsured Motorist Coverage

Car Insurance Coverage

Medical Billing

Health Insurance

Life Insurance

Fire Damage

Hurricane and Windstorm Claims

If you live in Georgia and believe that you are being treated unfairly
by your insurance company, please do not hesitate to contact an
experienced Columbus insurance dispute attorney at Morgan & Morgan
by filling out our free, no-obligation case review
form.

Review 5/5

★★★★★

Felita Grant Lott

Attorney Joseph Shaughnessy, paralegal Marisol Herrera and Lori Jay were BY far the greatest team. I've used them twice in 6 years and would NOT ever consider anyone else. They're thorough, proactive, genuine, and they fight on your behalf. I give them the highest regards! Much love and kind thanks! Highly recommended.